When you secure a homeowners insurance policy through Farmers Insurance Group, you’re taking a considerable step toward protecting your home and belongings from unforeseen events. However, just like any other type of insurance, you need to ensure you know what it covers.

In general, a homeowners insurance policy is designed to help cover expenses related to accidents or events that damage your property. However, the coverage limitations depend on the specific value of your home, your premium, where you live, and a variety of other complex factors.

Damage from weather and natural events is one of the most important aspects to consider when reviewing your homeowners insurance policy. Any accidents related to lightning, hail, high winds, and storms will be covered by most policies. If you live in Missouri, ask your agent to outline the specifics regarding flood insurance and tornado coverage, as some providers may not automatically include them.

Accidents that occur in the home are almost always covered, including broken appliances, burst pipes, fire, smoke, water, and falling objects. However, if you don’t stay up-to-date on your home’s maintenance needs, some insurance providers may restrict benefits.

Liability coverage is another invaluable add-on, an extension which covers legal and medical fees associated with injuries that occur on your property. Homeowners insurance can also provide protection against criminal acts—including stolen property, vandalism, and riots.

While this essential coverage provides protection from life’s most common risks, there are a few things that may not be on the list.  Ask your insurance agent what exclusions apply—as well as what additional options can be added to your policy.

For comprehensive coverage at competitive rates give me a call at (417) 926-7900 or visit my website. I will address your homeowners insurance questions in detail and help you save on a new policy that meets your needs.